I'm gonna go out on a limb here and suggest that maybe merchants accept some responsibility for understanding the system. When I buy a BMW I take delivery from a sales guy who knows something about the vehicle, but when I drive it off the lot, the responsibility is all mine. If the salesman didn't tell me how the traction control works, or gave me incorrect information, ultimately it's my responsibility to RTFM, or read the f------ manual. We give our merchants a manual of sorts, and there is a wealth of information on the Internet about this. Is it my responsibility, and the responsibility of a good salesperson, to tell the merchant the ins and outs of B2B Interchange? Of course. But I can tell you from experience that even when we do inform merchants, they forget. Or we tell one person, and it is another person who ends up processing the sales. Is Interchange ridiculously, overly complicated? Yes. But am I willing to let merchants off the hook when it comes to taking responsibility for knowing how the system works? Not hardly.